Christopher Phillips, Finance Expert in San Francisco, CA, United States
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Christopher Phillips

Verified Expert  in Finance

Finance Expert

San Francisco, CA, United States
Toptal Member Since
March 18, 2020

Chris is an accomplished senior executive who has raised over $1 billion in debt financing, created operating and pricing models for companies in the fintech and enterprise software industries, and advised on over $30 billion of M&A transactions while at J.P. Morgan. As a freelancer, he enjoys working with a wide variety of clients helping them to run financial analyses and efficiently scale their organizations.

Case Studies

Work Experience


2019 - PRESENT
  • Built company operating model for budgeting and financial forecasting.
  • Implemented financial operation infrastructure, including standardized billing, payable, and monthly close processes.
  • Restructured GL and set corporate KPIs in order to appropriately measure relevant SaaS metrics.
  • Restructured and streamlined the company's standard contract.
Focus areas: Investor Relations, Customer Success, Legal, Accounting, Financial Planning & Analysis (FP&A)

Vice President and General Manager, Home Improvement Lending

2016 - 2019
  • Built and launched a new point-of-sale finance business line catering to home improvement contractors culminating in $100 million annual run-rate loan originations.
  • Structured and negotiated a $150 million warehouse facility with a major investment bank to scale the new business line.
  • Built company operating model for internal budgeting and financial projections.
  • Pitched, structured, and implemented partnerships with the largest residential door manufacturer, the largest residential roof manufacturer, and the first and fifth largest HVAC manufacturers in the United States.
  • Developed a loan pricing model to inform and set loan interest rates and dealer fees.

Vice President of Finance and Corporate Development

2015 - 2016
  • Reduced cash drag on the balance sheet, freeing up a cash balance of $25 million to $30 million, by implementing new, efficient operational funding processes.
  • Analyzed and tracked KPIs and profitability across four product lines; student loans, personal loans, mortgage loans, and wealth.
  • Managed liquidity planning across nine separate credit facilities, plus multiple forward flow purchase agreements, for a company originating $7+ billion in loans annually.
  • Structured two unsecured loan credit facilities with an aggregate commitment of $500 million.
  • Structured a $400 million forward flow whole loan and a residual purchase agreement with a 40 Act fund.
Focus areas: Corporate Development, Investor Relations, Treasury, Budgeting, Financial Planning & Analysis (FP&A)


2013 - 2015
Conatus Capital
  • Served as the primary researcher or co-lead on over ten core investments in a highly concentrated $400 million financial services portfolio.
  • Achieved a total P&L contribution of over $85 million during tenure on a total managed financial portfolio of $400 million.
Focus areas: Service, Global, Investing, Equity, Portfolio Management, Equity Research


2012 - 2013
Thomas H. Lee Partners
  • Prepared the analysis, including industry growth, customer trends, business line profitability, and potential cost-saving opportunities, that culminated in the acquisition of CompuCom, a leading IT outsourcing firm, for $1.1 billion.
  • Developed pro forma financial projections for Systems Maintenance Services for a $125 million debt recapitalization.
  • Created multiple investment memorandum for over ten companies in the business services and financial services industries.
Focus areas: Negotiation, Sourcing, Due Diligence, Investing, Private Equity

Investment Banking Analyst

2010 - 2012
J.P. Morgan
  • Built pro forma financial models for HSBC for the sale of their $30 billion U.S. card business and $1 billion upstate New York branch network.
  • Advised the Bank of Montreal on their $4 billion acquisition of Marshall & Ilsley Corporation, valuing both the target and the acquirer using dividend discount and trading comparables methodologies.
  • Created a fully-integrated merger model to determine the capital and P&L impact to First Niagara of a deposit franchise acquisition, evaluating execution and financing risk.
  • Created investor marketing materials and a pro forma financial model for KeyCorp's $625 million common equity raise and TARP repayment.
  • Covered a portfolio of 25 North American banks and exchanges in ongoing client coverage.
Focus areas: Debt Raises, Capital Raising, Mergers & Acquisitions (M&A)
2006 - 2010

Bachelor's Degree in Finance & Economics

University of Notre Dame - Indiana, USA


Financial Planning & Analysis (FP&A), Financial Modeling, Three-statement Modeling, Capital Raising, Valuation, Mergers & Acquisitions (M&A), Budgeting, Debt Raises, Accounting, Equity Research, Private Equity, Due Diligence, Pricing, Forecasting

Output Software

Microsoft Excel, Microsoft PowerPoint

Industry Expertise

Financial Services, Software, Capital Markets

Data & Analysis Software

Capital IQ, Bloomberg


Fintech, Enterprise SaaS, Contract Negotiation, RFP Negotiation, Enterprise Software, Treasury, Investor Relations, Corporate Development, Legal, Customer Success, Portfolio Management, Equity, Investing, Global, Service, Sourcing, Negotiation, Unit Economics, Debt Financing, Key Performance Indicators (KPIs), SaaS

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